How to Remove SYNCB/CareCredit From Your Credit Report

If you’ve seen “SYNCB/CareCredit” on your credit report and aren’t sure why it’s there—or how to deal with it—you’re not alone. Here’s what it means, how it affects your credit, and what you can do about it.

What SYNCB/CareCredit Means

SYNCB/CareCredit or SYNCB/CARECR shows up on your credit report when you apply for or use a CareCredit card issued by Synchrony Bank. CareCredit is a financing option for medical expenses, including dental work, cosmetic treatments, and even vet bills. It lets you pay over time instead of all at once.

Why SYNCB/CareCredit Is on Your Credit Report

There are a few different reasons this entry might appear:

• Hard inquiry – When you apply for the CareCredit card, Synchrony Bank does a hard pull on your credit. That inquiry gets logged on your credit report, whether you’re approved or not.
• New account opened – If you’re approved, a new line of credit is added to your report, including your limit, open date, and payment history.
• Late payments – If you fall behind on payments, Synchrony Bank reports the missed payments to the credit bureaus. Late payments can damage your credit score and stay on your report for up to seven years.

How Long SYNCB/CareCredit Stays on Your Credit Report

• Hard inquiries stay on your credit report for up to two years. They have the biggest impact during the first few months, then gradually lose weight.
• Active accounts remain on your credit report as long as they’re open and active—and up to 10 years after they’re closed in good standing.
• Late payments or delinquencies can stick around for seven years and hurt your credit score during that time.

If You Don’t Recognize the SYNCB/CareCredit Entry

If you didn’t apply for a CareCredit card and see this on your credit report, take action right away:

1. Call Synchrony Bank and ask them to explain the inquiry or account.
2. Dispute the entry with all three credit bureaus—Equifax, Experian, and TransUnion—if Synchrony can’t verify that you authorized it.
3. Monitor your credit regularly to catch and respond to suspicious activity as early as possible.

How to Limit the Damage of Hard Inquiries

A single hard inquiry isn’t a big deal, but too many can start to chip away at your credit score. Here’s how to keep that from happening:

• Don’t apply for multiple credit cards or loans at once – Space them out to avoid stacking inquiries.
• Only apply when it’s necessary – Don’t apply impulsively. Make sure the offer fits your financial needs.
• Use prequalification tools – Many lenders offer soft pull prequalification so you can check your chances without hurting your credit.

Can You Remove SYNCB/CareCredit From Your Credit Report?

If the entry is legitimate, you usually can’t remove it unless there’s an error. But if it’s incorrect or showing inaccurate information—like a late payment you didn’t miss—you have the right to dispute it.

You can do this yourself or work with a credit repair company. If you choose to get help, Credit Saint is one of the top-rated services in the industry. They’ve helped thousands of people challenge errors and get negative items removed—including late payments, collections, charge-offs, repossessions, bankruptcies, and more.

Take the Next Step Toward Better Credit

If SYNCB/CareCredit—or any other negative marks—are holding your credit score back, you don’t have to deal with it alone. Getting expert help can make a real difference.

Credit Saint is one of the most trusted names in credit repair, with a track record of helping people remove inaccurate late payments, collections, charge-offs, bankruptcies, and more. They offer a free consultation to assess your situation and create a plan tailored to your needs.

And for extra peace of mind, they back their service with a 90-day money-back guarantee—so you can get started with confidence.

Ready to take the first step? Visit their website to get started.